Kayak rental insurance: questions for your broker (free PDF)
The covers to ask about, the questions an insurer will ask you, and a sheet to compare quotes side by side.
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The covers to ask about
- General or third-party liability for injury and damage to others.
- Participant injury on rentals and on guided tours, which insurers often treat differently.
- Professional liability for guides, if you run tours.
- Equipment cover for the fleet, racks and storage against theft and storm damage.
- Employer’s liability or workers’ compensation for staff and guides.
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What insurers will ask about your operation
Expect questions about how you run the activity day to day. Having the answers, and the records behind them, ready before the meeting makes the quote faster and more accurate.
- Whether you rent only, guide tours, or both, and the guide-to-participant ratio on tours.
- Guide certifications and the training of stand staff.
- Life jacket policy and the briefing every renter receives.
- The paddling zone, the wind or swell limit for closing, and how you check returns.
- Whether every participant signs a waiver, including guardians for minors, and where it is stored.
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How to compare quotes
- 01Check that the same policy covers rentals, guided tours and paddle boards, or which is excluded.
- 02Compare limits per incident and per year on the same basis.
- 03Read the exclusions: alcohol, paddling outside the zone, unsupervised minors.
- 04Ask about seasonal cover for the months the stand is closed.
DISCLAIMERThis guide and checklist are for information only and are not insurance or legal advice. Cover, limits and requirements depend on where you operate and on each insurer; confirm them with a licensed broker.
